Applying for a home credit loan

Choose the loan option you prefer

That's how much you'd need to borrow over the number of weeks you'd like to make repayments.

Start your Provident loan application online

You'll find out in minutes if you've been accepted in principle for a home credit loan.

Finish with a visit from your local Agent

If approved, your Agent will discuss your loan needs and assess your income and outgoings to check how much you can borrow and ensure the loan is manageable and sustainable.

NOTICE: Under the Credit Reporting Act 2013 lenders are required to provide personal and credit information for credit applications and credit agreements of €500 and above to the Central Credit Register. This information will be held on the Central Credit Register and may be used by other lenders when making decisions on your credit applications and credit agreements.

What you need to know before you apply

You must:

Be aged between 18 and 74

Be a resident of the Republic of Ireland. If you live in Great Britain or Northern Ireland, please apply though our UK site.

Agree to an Agent visiting your at your home who will carry out an assessment of your income and outgoings.

You will need:

Personal information including your name and date of birth

Your address details for the past 3 years.

A contact telephone number and email address (so that the Agent can contact you to complete your application.)

If you're applying for a loan of €500 or more you will also need to provide your Personal Public Service Number during the home visit, you can see the full list of documents you can use for proof of Personal Public Service Number here.

Proof of ID and address

As part of the Agent visit you will be asked to provide one proof of ID and address, before the Agent can continue with your application.

These may include:

Current Photo card Driving Licence.

Current signed passport (ID only)

Utility bill from within the last 6 months (address only)

Proof of income

Your Agent will also need to see income documentation as part of the affordability assessment and application process.

Contact Info

Consents

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Please expand the section below and read the information provided before proceeding with your application.

Consents and use of personal information

Who we are

Provident is a trading name of Provident Personal Credit Ltd.For full information on your rights and how we collect, use, protect your information and share with other companies in the Provident Financial (PF) Group please go to: www.providentpersonalcredit.ie/privacy or ask for a printed copy of this.

How we use the Central Credit Register

If you take out a Provident loan of €500 or more we will send your personal and credit information to the Central Credit Register, to satisfy our obligations under the Credit Reporting Act 2013. From the 31st March 2018 we will share your name, Address, Date of birth and Personal Public Service Number (PPSN) and information about how you manage your account, including if you fail to make payments with the Central Bank Of Ireland.

I confirm that I have read the full privacy policy and understand how my data will be used.

Please correct the errors above.

Please make sure that you are happy with all the information entered before applying.

Important information

We base our lending decisions on how much we calculate you can comfortably afford to borrow and repay. This may mean that you are approved for a smaller loan than you originally applied for. Click here for more information.

Proof of ID and Income

As part of the Agent visit you will be asked to provide one Proof of Address and a separate Proof of ID such as:

Current Photo card Driving Licence.

Passport

If you do not have these you can find out other accepted forms of proof here. More>>>

If you have applied for a loan in the last five days then you don't need to apply again and you'll be contacted soon.

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About us

About our site

A home credit loan from Provident will require an Agent to discuss your financial income, outgoings and other financial commitments. Available to Republic of Ireland residents aged 18 and over. Written quotations are available on request.

Provident Personal Credit Limited (trading as “Provident”) is regulated by the Central Bank of Ireland